Meet Denise Panza – Your Trusted Mortgage Expert NMLS# 16446 | Total Mortgage Services With over 28 years of experience in mortgage banking, Denise Panza is a trusted industry leader dedicated to helping clients turn their homeownership dreams into reality. From first-time homebuyers to seasoned real estate investors, Denise brings deep expertise, personal dedication, and a can-do attitude to every mortgage she originates. Licensed in 14 states—New York, Connecticut, Massachusetts, New Jersey, Virginia, Texas, Georgia, North Carolina, South Carolina, Ohio, Tennessee, Florida, Rhode Island, and Pennsylvania—Denise offers a full suite of financing options. Whether you’re purchasing, refinancing, renovating, or investing, she’ll match you with the right solution, guide you through every step, and advocate for your best interests the entire way. Known for her tireless work ethic, warm personality, and problem-solving skills, Denise has built her career on relationships. Clients often describe her as a trusted friend—someone who genuinely cares, listens, and follows through. That’s not just a compliment to Denise—it’s her standard. She treats every client like family and goes above and beyond to deliver a stress-free, successful experience. Denise is especially passionate about working with first-time homebuyers. She believes that your loan officer should be your very first stop in the home buying process, ensuring you’re fully prepared and qualified before you begin your search. From pre-approval to the closing table—and long after—Denise is by your side. Email:
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